Call reports 2004
HOME TRUST & SAVINGS BANK, THE — 2004
What HOME TRUST & SAVINGS BANK, THE reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 136,497,000 | 132,112,000 | 130,633,000 | 132,114,000 |
| Total loans | 54,995,000 | 54,693,000 | 56,188,000 | 61,048,000 |
| Allowance for loan losses | 403,000 | 404,000 | 405,000 | 405,000 |
| Securities available for sale | 76,240,000 | 74,144,000 | 70,316,000 | 63,391,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 121,777,000 | 119,581,000 | 116,771,000 | 119,590,000 |
| Interest-bearing deposits | 115,661,000 | 113,007,000 | 110,735,000 | 112,231,000 |
| Noninterest-bearing deposits | 6,116,000 | 6,574,000 | 6,036,000 | 7,359,000 |
| Equity capital | 13,843,000 | 11,116,000 | 12,354,000 | 11,997,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,569,000 | 3,077,000 | 4,572,000 | 6,101,000 |
| Interest expense | 569,000 | 1,134,000 | 1,689,000 | 2,268,000 |
| Net interest income | 1,000,000 | 1,943,000 | 2,883,000 | 3,833,000 |
| Noninterest income | 76,000 | 109,000 | 140,000 | 172,000 |
| Noninterest expense | 401,000 | 816,000 | 1,203,000 | 1,631,000 |
| Provision for loan losses | 1,000 | 1,000 | 1,000 | 4,000 |
| Pretax income | 621,000 | 1,187,000 | 1,766,000 | 2,303,000 |
| Income tax | 35,000 | 74,000 | 113,000 | 115,000 |
| Net income | 586,000 | 1,113,000 | 1,653,000 | 2,188,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,875,000 | 12,485,000 | 12,566,000 | 12,466,000 |
| Total capital | 13,278,000 | 12,889,000 | 12,971,000 | 12,871,000 |
| Risk-weighted assets | 64,500,000 | 63,438,000 | 63,691,000 | 67,507,000 |